Upstart.com/MyOffer Reviews and Offer Code (Should You Use It?)

Upstart Personal Loan Review

If you were lucky enough to receive the UpStart promotional loan offer via the US Mail you must have a decent credit score… congrats!

The question is should you take advantage of this offer?

Please note if you already know you want to apply please visit www.upstart.com/myoffer and have the code on hand.

If you are still questioning yourself and if this is worth it… read on bro! 🙂

Who is Upstart?

They bill themselves as an online lending marketplace that provides personal loans using non-traditional variables, such as education and employment, to predict creditworthiness.

Upstart Reviews

Here are what some of the heavy hitters in the personal loan blog industry have to say about the offer…

• NerdWallet.com: Rating 4.5 – ‎Review by Amrita Jayakumar “A good option for those who have short credit histories and promising financial futures”
• CreditKarma: 4.9 out of 5 based on more than 700 reviews… Josilva BORROWER “I would highly recommend applying on Upstart’s website instead of using the CK link. I got a lower rate going directly to their website”
• The Simple Dollar: “If your credit isn’t perfect or you have a thin credit profile, applying for a loan through Upstart can make a lot of sense. This lender will consider more than your credit score when assessing you for approval, which can help you get the money you need even if your credit needs some help.”

Reviews will go on and on based on a simple Google search for “UpStart Loan Reviews”… BUT… generally speaking, Upstart receives good to very good ratings from the blog world.

Upstart.com My Offer Customer Service

• Local: 650-204-1000
• Toll-Free: 1-855-438-8778
• Mailing Address Upstart Operations Dept. P.O. Box 1503 San Carlos, CA 94070

Upstart Hours of Operation

The customer service hotline is available to take calls from Monday to Friday at 6 AM – 5 PM PST Saturday and Sunday: 6 AM – 5 PM PST (closed on federal holidays).

Other Options

• Lending Club (MyInstantOffer)
• Prosper
• SoFi

Upstart Loan Denied?

Don’t settle for no!

Call the Upstart customer service team at toll-free 1-855-438-8778 and inquire as to why your application was denied.

You may need to improve your credit via a credit card for consumers with fair credit.

Upstart Borrower Login

If you are lucky enough to have a loan with this shop already simply visit www.upstart.com to login.

Bottom Line

We here at Capitalist Review give a personal loan from Upstart the green light (full steam ahead!).

Like all personal loans, you will want to shop around at a few places to ensure you are receiving the best rate possible.

Apply at visit upstart.com/myoffer today

FAQ

Does upstart hurt your credit?

Checking your rate on Upstart will not affect your credit score. ... When you check your rate, we make a “soft credit inquiry." Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made.

Is upstart loan legit?

On the consumer side, Upstart has been able to offer high-quality personal loans with low rates and fair terms to borrowers with less than perfect credit. Upstart also features mostly five-star reviews from users on TrustPilot, and many of their applicants get their loans funded as soon as the next business day.

What bank does upstart use?

Check your rate Won't affect your credit score! All loans from Upstart-powered lenders. Loans from these states are made by Cross River Bank. All loans from Upstart-powered lenders.

What is upstart debt consolidation?

Instead of having multiple debt accounts with variable, high interest rates, an Upstart debt consolidation loan gives you one fixed rate. ... Also, interest rates are typically based on just your credit score, which provides a limited view of how responsible you'd be as a borrower.

Will upstart hurt my credit?

Checking your rate on Upstart will not affect your credit score. ... When you check your rate, we make a “soft credit inquiry." Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made.

Is Upstart a good idea?

When choosing a lending company, Upstart is a solid lender to consider for young professionals with a good credit score, but little to no credit or credit history. Its unique application process allows these individuals to receive competitive terms.

What bank does upstart use?

Check your rate Won't affect your credit score! All loans from Upstart-powered lenders. Loans from these states are made by Cross River Bank. All loans from Upstart-powered lenders.

Will upstart approve my loan?

Upstart looks at more than just your FICO score to approve you for a loan, including non-conventional variables such as the number of hard inquiries on your credit report, whether you have a college degree, and your earning potential.

Will upstart hurt my credit?

Checking your rate on Upstart will not affect your credit score. ... When you check your rate, we make a “soft credit inquiry." Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made.

Is upstart reputable?

As of late 2019, Upstart has a 4.4/5 star rating from consumers with hundreds of reviews. Upstart reviews highlight quick approval and funds transfer (money can be transferred to your bank account as soon as one business day after approval), quality customer service, and reasonable rates (5.69% – 35.99%).